Free Korean Social Insurance Calculator (2026)
Calculate employee and employer contributions for Korea's 4 social insurances (National Pension, Health Insurance, Long-term Care, Employment Insurance) based on 2026 rates, plus income tax and net take-home pay.
Salary Information
Calculation Results
Monthly Take-home Pay
—
Annual —
| Deduction Item | Monthly | Annual |
|---|---|---|
| National Pension | — | — |
| Health Insurance | — | — |
| Long-term Care | — | — |
| Employment Insurance | — | — |
| Insurance Subtotal | — | — |
| Income Tax | — | — |
| Local Income Tax | — | — |
| Total Deductions | — | — |
Total Monthly Employer Cost
—
Annual —
| Item | Monthly | Annual |
|---|---|---|
| National Pension | — | — |
| Health Insurance | — | — |
| Long-term Care | — | — |
| Employment Ins. (Unemployment) | — | — |
| Employment Ins. (Stability/Training) | — | — |
| Employer Total | — | — |
Employee vs Employer Burden
※ Estimates based on 2026 rates. Actual amounts may vary depending on bonuses, overtime, and other variable pay. Consult your HR department for exact figures.
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Korea's social insurance system consists of four mandatory insurances: National Pension, Health Insurance, Long-term Care Insurance, and Employment Insurance. This calculator automatically computes employee and employer contributions, income tax, and net take-home pay using 2026 rates.
Key Features
Itemized Insurance Breakdown
Enter your gross monthly salary and the calculator computes each of the four insurance contributions for both employee and employer. Tax-exempt amounts (like meal allowances) are excluded from the taxable base.
Income Tax & Local Tax Included
Beyond the four insurances, this tool also estimates income tax (based on Korea's simplified withholding table) and local income tax (10% of income tax), giving you the actual take-home pay figure.
Employee & Employer Tabs
Switch between the employee and employer views to see each party's burden separately. A visual bar chart compares the two side by side.
Annual Projection
Every monthly figure is also shown as an annual total (x12) for big-picture financial planning.
2026 Insurance Rates
National Pension
Employee 4.5% + Employer 4.5% = 9.0% total. Subject to a monthly income ceiling of KRW 5,900,000 and floor of KRW 390,000.
Health Insurance
Employee 3.545% + Employer 3.545% = 7.09% total.
Long-term Care Insurance
12.95% of the health insurance premium, split equally between employee and employer.
Employment Insurance
Employee 0.9% (unemployment benefit contribution). Employer pays 0.9% plus an additional 0.25% (for companies with fewer than 150 employees) for employment stability and training.
How to Use
Step 1: Enter Gross Salary
Enter your pre-tax monthly salary (base pay + fixed allowances) in KRW.
Step 2: Set Tax-exempt Amount
Enter the total tax-exempt portion (meal allowance up to KRW 200,000/month, vehicle allowance, etc.). Default is KRW 200,000.
Step 3: Select Dependents
Choose the number of dependents (including yourself) for income tax calculation.
FAQ
What counts as tax-exempt income?
Common exemptions include meal allowance (up to KRW 200,000/month), personal vehicle subsidy (up to KRW 200,000), and childcare allowance (up to KRW 200,000). Check your pay stub for your company's specific exemptions.
Is there a cap on National Pension contributions?
Yes, the 2026 standard monthly income ceiling is KRW 5,900,000 and the floor is KRW 390,000. Even if your salary exceeds 5.9 million, pension is calculated on 5.9 million.
Why might my actual payslip differ?
Bonuses, performance pay, overtime, and year-end tax adjustment results can cause differences. This calculator provides an estimate based on fixed monthly salary.
Can I use this on mobile?
Yes, it's fully responsive and works on smartphone and tablet browsers.